FedNow® Instant Request Payment for Real-Time A2A, B2B, B2C, and C2B Transactions
TodayPayments.com is committed to delivering real-time financial innovation with FedNow® Instant Request for Payment tools that empower businesses and consumers to accelerate invoicing, automate collections, and receive Good Funds instantly—with certainty and speed.
TodayPayments.com leads the market in FedNow®-enabled payment automation, helping businesses of all sizes modernize cash flow through alias-based invoicing, ISO 20022 messaging, and batch-ready Request for Payment (RfP) tools. Our platform ensures settlement speed, transparency, and digital transformation across all payment flows.
Real-Time Invoicing Meets Instant FedNow® Settlement
Payment delays can strain your cash flow,
operations, and customer experience. With
FedNow® Instant Request
for Payment (RfP), businesses and consumers now have the power
to send, fulfill, and reconcile secure payment requests in real
time. Whether you're managing account-to-account transfers, vendor
payouts, customer billing, or subscription services—FedNow®
delivers instant settlement and payment certainty.
This modern invoicing solution allows Payees to initiate requests using alias identifiers like email or phone number, then settle via the FedNow® rail—24/7/365. Payments are final, secure, and enriched with ISO 20022 structured data for automation and compliance.
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Instant Request Payment to Receive and Pay FedNow® A2A, B2B, B2C, C2B enables businesses and consumers to send and fulfill secure, real-time FedNow® payment requests with instant settlement across all transaction types.
TodayPayments.com enables merchants, banks, fintechs, and service providers to send alias-based Requests for Payment using mobile numbers, emails, or tokens. The Payer receives a notification and authorizes the transaction—sending Good Funds via FedNow® in real time.
Every RfP transaction is embedded with ISO 20022 fields, including invoice number, purpose, due date, and remittance information. This allows seamless integration with accounting systems, enabling instant reconciliation and audit tracking.
With batch upload support for Excel, .XML, and JSON, businesses can scale their payment requests to thousands of customers or vendors, while maintaining real-time status updates for each transaction. Whether you’re operating in A2A, B2B, B2C, or C2B flows, FedNow® ensures finality, speed, and structure.
FedNow® Parameters
- Network: FedNow® Service (Federal Reserve)
- Transaction Types: A2A, B2B, B2C, C2B
- Payment Method: Request for Payment (RfP)
- Settlement Time: Instant (typically <10 seconds)
- Finality: Irrevocable, Good Funds only
- Messaging Format: ISO 20022
- Alias Support: Email, Mobile Number, Tokenized ID
- Batch Upload Formats: Excel (.xlsx), XML, JSON
- Availability: 24/7/365 (including holidays and weekends)
FedNow® Attributes
- Alias-based RfP delivery to Payers via SMS, email, or app
- Supports fixed or variable amount invoicing
- One-time or recurring transaction compatibility
- Batch upload for enterprise-scale invoicing
- Real-time payment status and Good Funds confirmation
- Compliance-ready ISO 20022 data structure
FedNow® Benefits
- Collect payments in real time without settlement delays
- Eliminate chargebacks and ACH returns with push payments
- Improve cash flow with instant visibility of settled transactions
- Send requests securely using alias instead of account numbers
- Reduce operational costs with automation and digital delivery
- Boost billing accuracy with embedded invoice metadata
FedNow® Features
- Instant Good Funds settlement via Request for Payment
- Alias-based invoicing for mobile, email, and token channels
- Upload ISO 20022-compliant Excel, XML, or JSON files
- Integrated payer response and settlement confirmation
- Smart tracking of invoice ID, purpose code, and due date
- API and ERP integration ready
Say goodbye to waiting days for payments to post. With TodayPayments.com’s FedNow® Instant Request Payment platform, your organization can:
✅ Send structured,
alias-based RfPs instantly
✅ Collect
irrevocable Good Funds in seconds
✅ Upload
recurring or one-time invoices in Excel, XML, or JSON
✅ Integrate ISO 20022 for enriched
reconciliation
✅ Accept A2A, B2B, B2C, and
C2B payments anytime
✅ Automate everything—request,
notify, track, and settle
Visit https://www.TodayPayments.com to activate FedNow® RfP services and turn every payment request into real-time revenue with zero uncertainty.
Creation Request for Payment Bank File
Enhance Your Instant Request Payment Payment Requests with FedNow’s ISO 20022 Messaging
Streamline Payments with Advanced Request for Payment Options:
Harness the power of FedNow's Request for Payment system to transform how you manage invoices and remittances. Our platform supports diverse data integration options, allowing payees to incorporate detailed invoice data directly within the RfP message or link to a comprehensive Merchant Page.
Flexible Invoice Details with ISO 20022 Messaging:
Leverage the flexibility of ISO 20022 messaging standards in our RfP system. You can choose to display crucial payment details directly in the message with a concise 140-character description, or through a dynamic "Hyper-Link" leading to a detailed Merchant Page. This Merchant Page can be hosted either on your website "Your Website" - Hosted Payments Page or TodayPayments.com/HostedPaymentPage.html through our seamless integration solution.
Customizable Merchant Pages for Enhanced Customer Experience:
Create a Merchant Page that not only details all the MIDs you own but also presents these options attractively to your customers through the RfP. This customization ensures that whether your payer opts for Real-Time Payment, Same-Day ACH, or Card transactions, they can easily navigate and complete their payments through a simple click on the hyperlink provided on your Merchant Page.
Call us today and receive the .csv or .xml FedNow® or Request for Payment (RfP) file you need—all during your very first phone call! We guarantee that our comprehensive reports integrate flawlessly with your bank or credit union. As pioneers in recognizing the benefits of RequestForPayment.com, we have stayed years ahead of our competitors. Although we are not a bank, our role as an "Accounting System" within the Open Banking ecosystem enables us to work with billers to create effective RfP files that seamlessly upload to the biller's online banking platform. U.S. companies rely on our expertise to learn how to deliver the RfP message directly to their bank with precision.
Our advanced solution, Today Payments' ISO 20022 Payment Initiation (PAIN.013), demonstrates how to create a Real-Time Payments Request for Payment file that sends a clear message from the creditor (payee) to its bank. Most financial institutions support the import of messaging and batch files for both FedNow® and Real-Time Payments (RtP), ensuring smooth processing. Once the file is correctly uploaded, the creditor’s bank processes the payment through a secure "Payment Hub"—with The Clearing House serving as the RtP Hub—and relays the message to the debtor's (payer's) bank. This streamlined approach not only accelerates transaction processing but also enhances transparency and reliability for all parties involved.
... easily create Instant Payments RfP files. No risk. Test with your bank and delete "test" files before APPROVAL on your Bank's Online Payments Platform. Today Payments is a leader in the evolution of immediate payments. We were years ahead of competitors recognizing the benefits of
Same-Day ACH and Real-Time Payments funding. Our business clients receive faster availability of funds on deposited items and instant notification of items presented for deposit all based on real-time activity. Dedicated to providing superior customer service and industry-leading technology.
Contact Us for Instant Request Payment payment processing pricing
